Get free homeowners insurance quotes & save

Online home insurance quotes with expert advice

Homeowners insurance offers financial protection for one of life’s biggest purchases: your home. Policygenius makes it simple to find the best home insurance policy for you to ensure your home, belongings, and assets are fully covered. 

Why go through the hassle of visiting dozens of insurance companies when you can see online quotes from Progressive, Allstate, Travelers, and more, all in one place?

Apply online, compare quotes, and talk to a licensed agent if you need advice. Once you’ve found a policy you’re interested in, we’ll even fill out the paperwork for you. 

Hassle-free home insurance that protects what’s important

Homeowners insurance is made up of a few different types of coverage that pays for damage to your house (from things like fire or hail), loss or damage to your personal belongings, and even legal and medical bills if you’re held liable for an accident.

All of these add up to a policy that covers you no matter the circumstances.

Our licensed experts at Policygenius will find coverage similar to your existing home insurance policy (if you have one), or recommend typical coverage for homes similar to yours. That way you can feel confident that you have the right amount of coverage and won’t be at risk of being underinsured.

Need extra protection in case you have a dog or live somewhere prone to earthquakes? We’ll help tailor a policy that fits your needs.

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We’ve saved customers an average of 30% on their home insurance policies

How do we manage that? Your homeowners insurance cost depends on a few things, like where you live, the coverage you need — and the company you choose.

When you apply through Policygenius, we get all the details needed to give you an accurate quote. And as an insurance marketplace, we partner with top homeowners insurance companies. That means you get the policy you need at the price you want.

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Policygenius gets you homeowners insurance at your pace

Whether you’re closing on a new home, reshopping your existing coverage, or just getting started, it’s never too late — or too early — to start looking for your next home insurance policy.

All you need to do is provide a few answers about:

Not sure of an answer? We’ve got experts standing by to help you every step of the way.

Once you’ve applied, we’ll send tailored policy quotes and help you choose the best one. It’s free to get quotes, and there’s no obligation to buy.

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What does a homeowners insurance policy cover?

A homeowners insurance policy covers damage to your home and personal belongings in the event of theft, vandalism, severe weather, or another covered loss. It even protects all of your assets — like investments, cars, boats, and anything else of value that you own — in case you’re sued due to damage or injury that occurs at your house. 

→ Learn more about how home insurance works

Here’s a more detailed look at the different coverages included in every homeowners insurance policy purchased through Policygenius and what each protects you against.

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What’s not covered by homeowners insurance?

Most standard homeowners insurance policies do not cover damage to your home or belongings that’s caused by any of the following insurance exclusions:

• Flooding

• Earthquakes

• Volcanoes

• Landslides, mudslides, or sinkholes

• Local building ordinance or law requiring you to bring your home up to code

• Power surges or outages

• Neglect or maintenance issues

• War

• Nuclear hazard

• Intentional loss caused by you or another resident family member 

• Government action

• Dog bite liability for certain dog breeds

• Home businesses

• Pest or rodent damage and removal

Depending on the insurance company, you might be able to add on coverage for some of these things — like flooding or earthquakes — by purchasing a special endorsement to be added to your main home insurance policy. 

Otherwise, you’d have to take out a separate flood or earthquake insurance policy with another company to ensure you’re protected. A licensed Policygenius agent can do either of these things for you.

→ Learn more about what is not covered by homeowners insurance

How much does home insurance cost?

The average cost of homeowners insurance is $1,899 per year or $158 per month, according to a 2022 Policygenius analysis of sample rates provided by Quadrant Information Services.

The amount of coverage you have in your policy is the biggest factor in determining how much you pay for home insurance. Higher limits of liability or dwelling coverage, extended protection for your home and belongings, and additional coverage endorsements can all mean higher rates.

Here’s a look at the average annual rates for different levels of dwelling coverage:

Location also plays a huge role in home insurance rates. If the area where you live experiences frequent tornadoes or hurricanes, you’ll probably pay more for your policy.

Even homeowners in the same city can see largely different rates based on what ZIP code they live in and its crime rate, claims history, and wildfire risk.

Two other factors that can influence the rates you’re quoted through Policygenius are your credit score and claims history. Homeowners with lower credit scores will see higher rates. And if you filed multiple insurance claims in the past or your home has a history of structural damage, your insurance rates will likely be higher.

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Ways to get discounts on homeowners insurance

Homeowners insurance discounts vary by company, though here are a few of the most popular ways to save when you purchase a policy through Policygenius:

• Home and auto bundling discount. Policygenius customers saved an average of $1,250 per year by reshopping their home and auto insurance.

• Paid in full discount. Get rewarded for paying a year’s worth of insurance premiums up front.

• Claims-free discount. Shave money off your premiums if you’ve gone so many years without filing a homeowners insurance claim.

• HOA discount. Some insurers reward homeowners simply for living in a community with a homeowners association.

• Loyalty discount. Stick with the same insurance company for five or more years, and most insurers will give you a discount for your loyalty.

• Military or other affiliation discount. Homeowners who are veterans, military members, or work in a certain profession (like teachers or civil servants) might be able to snag a discount. 

• Retiree discount. Many insurance companies offer retired homeowners a discount on premiums.

• New home construction discount. Moving into a brand spankin’ new home? You might earn a discount for that.

• Protective devices discount. Installing fire alarms, security monitoring, and fire sprinkler systems can help lower your cost of home insurance.

• Fortified home discount. Adding storm-proof roof shingles, hurricane shutters, or other impact-resistant features to your home can help you score a sizable discount.

• Smart home discount. High-tech features like smart locks, water leak sensors, and gas leak sensors may mean lower premiums.

• No-mortgage discount. Paid off your home? Congrats! You also might score a discount for that.

→ Learn more about homeowners insurance discounts

If you’re unsure about any of these steps, don’t sweat. A Policygenius agent will walk you through each to help you find the best coverage limits, add-ons, and discounts for your needs.

→ Learn more about how to buy home insurance

Choosing the best home insurance company

There’s a lot that goes into choosing a home insurance company. Our Policygenius rating scores companies on everything from cost to coverage options to claims satisfaction, so you can see how your options stack up.

→ Learn more about the best home insurance companies

Average savings of 30% per year on home insurance: Savings are determined by calculating the average difference between the lowest and second lowest home insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.

Average home insurance cost: Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

• Dwelling: $300,000

• Other structures: $30,000

• Personal property: $150,000

• Loss of use: $60,000

• Liability: $300,000

• Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.